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Consumers turning to fintech lenders are more likely to spend beyond their means, sink further into debt, and ultimately default more often than...
- February 2021
- Case
Lidya: Bringing Nigerian FinTech Innovation to Global Small and Medium Enterprises
By: Lauren Cohen and Spencer C.N. Hagist
Lidya CEO Tunde Kehinde must size up options for the expansion of his novel lending practices that drastically reduce the credit cycle in his developing Nigeria, and determine if expansion into Eastern Europe will prove successful or disasterous.
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- February 2021
- Case
Bairong and the Promise of Big Data
By: Lauren Cohen, Xiaoyan Zhang and Spencer C.N. Hagist
Bairong CEO Felix Zhang, in launching his credit scoring start-up that incorporates 74,000 variables per individual, found strong initial success. However, the shifting regulatory environment, growing breadth of competitors, difficulties in retaining top talent, and...
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- 2021
- Working Paper
FinTech Lending and Cashless Payments
By: Boris Vallée, Pulak Ghosh and Yao Zeng
This study provides a new perspective to understand the rise and future potential of FinTech lending by linking it to the informational role of cashless payments. We uncover both theoretically and empirically a synergy between FinTech lending and cashless payments....
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Vallée, Boris, Pulak Ghosh, and Yao Zeng. "FinTech Lending and Cashless Payments." Working Paper, February 2021.
- January 2021
- Case
eToro: Building the World's Largest Social Trading Network
By: Elie Ofek and Danielle Golan
Social trading platform eToro was preparing for the launch of its expanded offering in the U.S. The company faced critical decisions regarding product-market fit, go-to-market strategy, positioning and monetization. Moreover, it faced the challenge of how best to make...
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Keywords:
Social Trading Platform;
Investment;
Social And Collaborative Networks;
Marketing Strategy;
Expansion
Ofek, Elie, and Danielle Golan. "eToro: Building the World's Largest Social Trading Network." Harvard Business School Case 521-057, January 2021.
- September 2020
- Case
Building India's 2.0: PayNearby
By: Lauren Cohen and Spencer C. N. Hagist
Headquartered in Mumbai, India, FinTech startup Nearby Technologies has seen its flagship brand, PayNearby, rapidly flourish across most of its target market within just four years. The unprecedented success of its payment app, which allows users to access banking...
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Keywords:
fintech;
Developing Markets;
Payments;
Finance;
Entrepreneurship;
Emerging Markets;
Competitive Strategy;
Banking Industry;
India
Cohen, Lauren, and Spencer C. N. Hagist. "Building India's 2.0: PayNearby." Harvard Business School Case 221-027, September 2020.
- September 2020
- Article
Regulatory Sandboxes: A Cure for mHealth Pilotitis?
By: Abhishek Bhatia, Rahul Matthan, Tarun Khanna and Satchit Balsari
Mobile health (mHealth) and related digital health interventions in the past decade have not always scaled globally as anticipated earlier despite large investments by governments and philanthropic foundations. The implementation of digital health tools has suffered...
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Keywords:
Covid-19;
Mhealth;
Digital Health;
Design Thinking;
Regulation;
Intervention;
Regulatory Sandbox;
Health Care And Treatment;
Technological Innovation;
Design;
Governing Rules, Regulations, And Reforms;
India
Bhatia, Abhishek, Rahul Matthan, Tarun Khanna, and Satchit Balsari. "Regulatory Sandboxes: A Cure for mHealth Pilotitis?" Journal of Medical Internet Research 22, no. 9 (September 2020).
- August 2020 (Revised January 2021)
- Case
Nubank: Democratizing Financial Services
By: Michael Chu, Carla Larangeira and Pedro Levindo
Nubank, a wholly-digital solution created to disrupt Brazilian banking, with 6 million clients and a $4 billion valuation after five years, must decide whether to expand to Mexico. The company was founded in São Paulo in 2013 by Colombian-born David Vélez to seize what...
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Keywords:
fintech;
Financial Inclusion;
Digital Banking;
Credit Cards;
Banks And Banking;
Disruption;
Expansion;
Growth And Development Strategy;
Financial Services Industry;
South America;
Brazil;
North America;
Mexico
Chu, Michael, Carla Larangeira, and Pedro Levindo. "Nubank: Democratizing Financial Services." Harvard Business School Case 321-068, August 2020. (Revised January 2021.)
- August 2020
- Case
PayPal: The Next Chapter
By: Michael Porter, Mark Kramer and Annelena Lobb
Can a social purpose and stakeholder capitalism confer a powerful competitive advantage in the age of COVID-19? For PayPal, the answer is yes. After spinning off from eBay in a 2015 IPO, the company declared its purpose as "democratizing financial services" by ensuring...
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Keywords:
Mission And Purpose;
Finance;
Business And Stakeholder Relations;
Social Entrepreneurship;
Competitive Advantage;
Financial Services Industry
Porter, Michael, Mark Kramer, and Annelena Lobb. "PayPal: The Next Chapter." Harvard Business School Case 721-378, August 2020.
- June 2020
- Teaching Note
CredEx Fintech: Business Model Transformation During the Digital Era
By: Laura Huang, Raphael Amit and Xu Han
Teaching Note for HBS Case No. 420-080.
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- May–June 2020
- Article
The New-Market Conundrum
By: Rory McDonald and Kathleen M. Eisenhardt
Brand-new markets are like the wormholes of science fiction, where the usual rules of time and space do not apply. When a market has just been born, the forces of competition there are constantly in flux, it’s unclear who your customers really are, and conventional...
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Keywords:
New Markets;
Business Model;
Strategy;
Framework;
Innovation And Invention;
Value Creation
McDonald, Rory, and Kathleen M. Eisenhardt. "The New-Market Conundrum." Harvard Business Review 98, no. 3 (May–June 2020): 75–83.
- April 2020 (Revised August 2020)
- Case
CredEx Fintech: Business Model Transformation During the Digital Era
By: Laura Huang, Raphael Amit and Xu Han
Founded in 2010, CredEx has been a fast and constant innovator in the microfinance industry in China. Tang Xia, CEO and co-founder of CredEx, has led the company through a number of profound business model innovations in response to external environment changes, which...
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Keywords:
Digitization;
fintech;
Business Model;
Innovation And Invention;
Transformation;
Microfinance;
Organizational Change And Adaptation
Huang, Laura, Raphael Amit, and Xu Han. "CredEx Fintech: Business Model Transformation During the Digital Era." Harvard Business School Case 420-080, April 2020. (Revised August 2020.)
- March 2020 (Revised November 2020)
- Case
FinTech Hive at DIFC: Creating a Fintech Ecosystem in Dubai
By: Marco Di Maggio and Gamze Yucaoglu
The case opens in 2019 as Raja Al Mazrouei, executive vice president of FinTech Hive (the Hive) at the Dubai International Financial Centre (DIFC), the first and largest financial technology accelerator in the Middle East, Africa and South Asia region, contemplates her...
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Keywords:
fintech;
Emerging Markets;
Business Startups;
Venture Capital;
Management;
Technology;
Growth Management;
Financial Markets;
Financial Institutions;
United Arab Emirates;
Middle East;
Dubai
Di Maggio, Marco, and Gamze Yucaoglu. "FinTech Hive at DIFC: Creating a Fintech Ecosystem in Dubai." Harvard Business School Case 220-066, March 2020. (Revised November 2020.)
- October 2019
- Case
Leading Bank Leumi into the Future
By: Joshua D. Margolis, Allison M. Ciechanover, Nicole Keller and Danielle Golan
An unlikely but highly effective leader of a traditional bank, Rakefet Russak-Aminoach, simultaneously leads a classic change effort and an unconventional effort to innovate. She focuses her initial energy on making the bank more efficient in the face of industry...
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Keywords:
Mobile Banking;
Digital Banking;
fintech;
Startup;
Financial Services;
Artificial Intelligence;
Leadership;
Innovation;
Efficiency;
Organizational Change;
Personal Development;
Female Ceo;
Banks And Banking;
Mobile Technology;
Leadership;
Organizational Change And Adaptation;
Innovation And Invention;
Disruption;
Information Technology;
Opportunities;
Performance Effectiveness;
Personal Development And Career;
Financial Services Industry;
Banking Industry;
Israel
Margolis, Joshua D., Allison M. Ciechanover, Nicole Keller, and Danielle Golan. "Leading Bank Leumi into the Future." Harvard Business School Case 420-063, October 2019.
- October 2019
- Case
Kaspi.kz IPO
By: Victoria Ivashina and Esel Çekin
This case follows Kaspi.kz, a private equity (Baring Vostok) co-owned retail bank in Central Asia that evolved into a fintech, payments and e-commerce company. It provides insights into private equity financing, portfolio company management, and initial public offering...
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Keywords:
Finance;
Private Equity;
Initial Public Offering;
Organizational Change And Adaptation;
Central Asia
Ivashina, Victoria, and Esel Çekin. "Kaspi.kz IPO." Harvard Business School Case 220-007, October 2019.
- September 2019 (Revised September 2020)
- Case
Sopra Banking Software: Can a French Fintech Succeed in the U.S.?
- July 2019 (Revised November 2019)
- Case
Salary Finance
By: John R. Wells and Benjamin Weinstock
In April 2019, Asesh Sarkar, co-founder and chief executive of Salary Finance Limited, a London-based FinTech, faced tough choices. Sarkar had founded Salary Finance with Dan Cobley and Daniel Shakhani in 2015. The company’s value proposition was quite simple: partner...
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Keywords:
Credit;
Financing And Loans;
Wages;
Innovation And Invention;
Expansion;
Growth And Development Strategy;
Organizational Culture;
Decision Choices And Conditions;
Financial Services Industry
Wells, John R., and Benjamin Weinstock. "Salary Finance." Harvard Business School Case 720-355, July 2019. (Revised November 2019.)
- 2019
- Book
Fintech, Small Business & the American Dream: How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity
By: Karen G. Mills
Fintech, Small Business & the American Dream describes the needs of small businesses for capital and demonstrates how technology—novel data sources, artificial intelligence, machine learning—will transform the small business lending market. This market has been...
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Keywords:
fintech;
Big Data;
Data;
Technology;
Artificial Intelligence;
Great Recession;
Regulation;
Policy;
Innovation;
Banks;
Lending;
Loans;
Access To Capital;
American Dream;
Community Banking;
Small Business Administration;
Entrepreneur;
Government;
Public Policy;
Api;
Policy Making;
Small Business;
Financing And Loans;
Technological Innovation;
Financial Crisis;
Banks And Banking;
Governing Rules, Regulations, And Reforms;
Policy;
United States
Mills, Karen G. Fintech, Small Business & the American Dream: How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity. Palgrave Macmillan, 2019.
- March 2019 (Revised October 2020)
- Case
GENTERA: Facing the Digital Age
By: Michael Chu and Carla Larangeira
After long dominating Mexican microfinance, Compartamos Banco faces the emergence of fintech, just as for the first time its loan portfolio and clients have declined. Enrique Majós, CEO of GENTERA, the bank´s parent company, is keenly aware of the profound changes...
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Keywords:
Micro Finance;
Base Of The Pyramid;
fintech;
Microfinance;
Disruption;
Innovation And Management;
Competitive Strategy;
North America;
Mexico
Chu, Michael, and Carla Larangeira. "GENTERA: Facing the Digital Age." Harvard Business School Case 319-092, March 2019. (Revised October 2020.)
- March 2019 (Revised January 2021)
- Case
Accion's Fintech Strategy
By: V. Kasturi Rangan, Michael Chu and Tricia Gregg
Accion, an NGO, had been a pioneer in microfinance since its entry into that sector in the early 1970s. Its investments in Banco Compartamos paid off, when the microfinance bank went IPO in 2007, leaving an influx of $138 million for Accion. Under a new CEO, Michael...
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- December 2018 (Revised March 2019)
- Case
iyzico: Fundraising in Emerging Markets (A)
By: Marco Di Maggio and Gamze Yucaoglu
The case opens in 2016 as Barbaros Ozbugutu, co-founder and CEO of the Istanbul-based payment technology start-up iyzico, contemplates the offers the company received for its Series C round. The case then describes iyzico’s origins and provides a detailed overview of...
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Keywords:
Iyzico;
Fundraising;
Business Startups;
Venture Capital;
Emerging Markets;
Private Sector;
For-profit Firms;
Management;
Technology;
Growth Management;
Corporate Entrepreneurship;
Negotiation Offer;
Decision Making;
Turkey
Di Maggio, Marco, and Gamze Yucaoglu. "iyzico: Fundraising in Emerging Markets (A)." Harvard Business School Case 219-064, December 2018. (Revised March 2019.)
Are you looking for?
Consumers turning to fintech lenders are more likely to spend beyond their means, sink further into debt, and ultimately default more often than...